Hello friends of Ladies of Hive, I am pleased to participate this week in another contest, where we will address a very important topic such as the January budget. Considering that we come from an end of the year where it is common that there are expenses for the Christmas celebration and when you have children this expense increases, however, we must as far as possible to leave a backup for the month of January, because this is a month where we feel that instead of 30 days, it has more than 80 🤣.
In my particular case, these last few years, after my country suffered a devastating economic crisis for many, and in order to continue with the Christmas celebration, I try to organize the last quarter of the year to cover the expenses that I can pay in time, because I know that with my family income it would not be possible.
For example, in October I can buy something related to Christmas decorations, and go ahead with the shoes for my two youngest children, since we bought some for Christmas and others for New Year, then in October I try to solve the issue of shoes, then the first fortnight of November I buy as much as I can afford some clothes, since on November 30 is the birthday of one of my children and in what is the cake and a simple outing goes all my salary.
Entering the first fortnight of December I buy everything I am missing of clothes. Before the 24th we have to spend the Christmas gifts and the Christmas dinner.
And then in the fortnight of the 30th we have the New Year's dinner, where we make hallacas, pernil, cake and we focus more on the food than on anything else.
Fuente
Besides, we always don't manage to buy the paint, pay the utilities, the daily food and all those expenses that are fixed, plus some repairs in the house, which never fail.
The truth is that I don't know how we do so much with so little, since our Christmas bonuses are paid in installments and that is not enough for anything. This year I solved some expenses not related to Christmas, asking for a loan from @ruta.loans, luckily my husband is very responsible with the children and the expenses of the house and between the two of us we can magically be solvent with the commitments.
To have a plan for my specific and not to spend is to list the priorities mentioned above and go on each outing focused on solving them, there will always be something that comes up and we are tempted to buy, I know because I am a compulsive shopper, but mentalizing myself in prioritizing commitments has helped me to be more efficient when buying and go solving the scheduled.
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January for me is an economically compromised month because in addition to the expenses of December, the first half of January is my birthday and even with a cake I celebrate it and there goes my fortnight and even more and the second half of January is my eldest son's birthday and the same thing happens, so my rest could be already in February, so my planning for December already comes with January and birthdays included as two months of expenses.
And as for charitable donations, year after year I do deep cleanings in my house, where I take the opportunity to remove clothes, shoes and toys of my children that they don't use, either because they no longer fit or because technology makes them forget about toys, I also take the opportunity to take out non-perishable food and donate it to a friend who is part of the foundation voluntad sin límites, which is responsible for serving children in street situations and so we can share with other children who are in need.
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This foundation does good social work and every time I can I give my contribution, and it is not that I have too much, but with the little we have we help who we can, as well as with the things that my children no longer use or that I no longer have left and through this foundation can help other children in need.
Well, friends, that's all for the moment, thanks for reading and I'll see you next week.
Text by Yelimarin, I used the translator DeepL to share with you the English version and the Canva application for the cover photo, the cover photos are my own and the rest are extracted from pixabay.
Español
Hola amiga de Ladies of Hive, me complace en participar esta semana en un concurso más, dónde abordaremos un tema muy importante como lo es el presupuesto de enero.
Considerando que venimos de un fin de año dónde es común que existan gastos propios de la celebración decembrina y cuando se tiene hijos este gasto se acrecienta, sin embargo, debemos en la medida de lo posible dejar un respaldo para el mes de enero, porque este es un mes donde sentimos que en vez de 30 días, tiene más de 80 🤣.
En mi caso particular, estos últimos años, luego de que mi país sufriera una crisis económica devastadora para muchos, y en aras de continuar con la celebración navideña, trato de organizarme el último trimestre del año en ir cubriendo los gastos que puedo solventar con tiempo, porque sé que con mis ingresos familiares no sería posible.
Por ejemplo, en octubre puedo ir comprando algo relacionado con la decoración navideña, e ir adelantando los zapatos de mis dos hijos más pequeños, ya que le compramos unos para navidad y otros para año nuevo, entonces en octubre trato de resolver el tema de los zapatos, luego la quincena primera de noviembre compro lo más que me alcance algo de la ropa, ya que el 30 de noviembre cumple años uno de mis hijos y en lo que es la torta y una salida sencilla se va todo mi sueldo.
Entrando la primera quincena de diciembre compro todo lo que me vaya faltando de la ropa. Ya que antes del 24 tenemos el gasto de los regalos de navidad y la cena navideña.
Para luego ya en la quincena del 30 asegurar la cena de año nuevo, dónde hacemos hallacas, pernil, la torta y nos enfocamos más en la comida, que en otra cosa.
Aparte siempre no las ingeniamos para comprar la pintura, pagar los servicios, la comida del día a día y todos esos gastos que son fijos, más alguna reparación en la casa, que se presente que esas nunca fallan.
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La verdad es que no sé cómo hacemos tanto con tan poco, ya que nuestros aguinaldos los pagan fraccionados y eso no nos alcanza para nada. Este año solventé unos gastos no relacionados con la navidad, pidiendo un préstamo de @ruta.loans, por suerte mi esposo es muy responsable con los niños y los gastos de la casa y entre los dos mágicamente podemos estar solventes con los compromisos.
De tener un plan para mi específico y no gastar es enumerando las prioridades antes mencionadas e ir en cada salida enfocada en resolverlas, siempre habrá algo que se nos presente y estemos tentadas a comprar, lo sé porque soy compradora compulsiva, pero el mentalizarme en priorizar los compromisos me ha servido para ser más eficiente a la hora de comprar e ir solucionando lo agendado.
Enero para mí es un mes comprometido económicamente porque además de los gastos de diciembre, la primera quincena de enero es mi cumpleaños y aunque sea con una torta yo lo celebro y allí se va mi quincena y hasta más y la segunda quincena de enero cumple años mi hijo mayor y ocurre lo mismo, así que mi descanso pudiese verse ya en febrero, así que mi planificación de diciembre ya viene con enero y cumpleaños incluidos como dos meses de gastos.
Fuente
Y en cuanto a las donaciones benéficas, año tras año realizó limpiezas profundas en mi casa, dónde aprovecho de sacar ropa, zapatos y juguetes de mis hijos que no usan, bien sea porque ya no le quedan o porque la tecnología los hace olvidarse de los juguetes, entonces suelo donarlos en una iglesia cercana para que ellos los distribuyan en su congregación, también aprovecho de sacar comida no perecedera y donarla a una amiga quien forma parte de la fundación voluntad sin límites, que se encarga de atender a niños en situación de calle y así podemos compartir con otros niños quienes tienen la necesidad.
Esta fundación hace un buen trabajo social y cada vez que puedo doy mi aporte, y no es que me sobre, sino que con lo poco que tenemos ayudamos a quien podamos, al igual que con las cosas que mis hijos ya no usan o las que a mí ya no me quedan y a través de esta fundación se les puede ayudar a otros niños más necesitados.
Fuente
Bueno, amigas es todo por el momento, gracias por leerme y será hasta la próxima semana.
Texto de Yelimarin, utilicé el traductor DeepL para compartirles la versión inglesa y la aplicación Canva para la foto de portada, las fotos de portada son propias y las demás son extraídas de pixabay.
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And with high inflation these days I'm sure it gets more difficult to plan your expenses ahead of time and make every Bolivar count. With the high taxes on my home I have to begin saving almost as soon as after I pay my last taxes. Planning ahead our expenses saves me from looking for Credit at the last moment, giving me time to make changes and choices.
Voluntad sin límites, (Unlimited Will) They are on Facebook,though their website link is not working today.
Thanks for sharing @yelimarin
Yes, my friend, it is difficult to plan our expenses, especially when we want to fix our house and end up frustrated when we see that everything is spent on food. I do have a colleague in that foundation, she is a great person, always willing to help and as soon as I can I also make my contribution.
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Making ends meet in today's world is not easy no matter where home is. I am sorry your country is in such economic upheaval. That doesn't help you to make ends meet. It sounds like you work diligently to make ends meet. Thank you for sharing and may God bless your efforts and your home! Take care!
Thank you friend, the truth is that the situation has improved compared to some years ago, however we have not yet recovered the purchasing power, and wages are still on the floor and prices are sky high, so we do magic to solve, but with the hope that everything will improve.
Blessings to you! Take care!🤗💜
Hello my friend, I understand you when you say that the country's crisis often suffocates us, and I congratulate you because despite that, you know how to organize yourself very well, in terms of all the expenses you have at home. Well done.👍
I do magic, my friend, that is part of the essence of Venezuelans, to be resourceful even in the most difficult moments.
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Thank you for your support and happy new year.
Yay! 🤗
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Gracias por la mención, estamos a la orden 🥳
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